Can I buy a property?

If you are in gainful employment, make regular rent payments and have a KiwiSaver or some form of savings you may be able to take that first step on the property ladder!

The Umbrella Company partner with Money Compare to advise Kiwis on home loans and mortgage options.  They work with leading banks like ASB, BNZ and Westpac as well as specialist NZ lenders like Resimac and Pepper Money. 

If you have thought about buying a property but aren't sure where to begin then we can help.  Online calculators from individual banks or lenders are often confusing and a bit 'harsh' when it comes to assessing your affordability on buying a property.  Our team of seasoned mortgage experts can look at your personal and financial situation and help your review your options and understand whether you can buy your first property.  

Not sure if you can afford to buy a property?

As experienced mortgage brokers the team at The Umbrella Company have worked with a wide range of lenders, both traditional and alternate. Different lenders have different criteria and assessment needs.  We know this and can help.  We can quickly and easily assess your situation and give you an informed opinion.  Should you be unable to borrow for a property now we can give you some actions to help you improve your borrowing situation for the future.

We can help you understand the requirements and help you on your way - it's our full time job!  We all know that mortgages and home loans are not the most exciting thing to discuss... but here at Money Compare we love it!!  Helping Kiwis make a fully informed choice on their borrowing and seeing individuals, couples or families take that first step on the property ladder is incredibly fulfilling!  Let us help.

Key benefits of comparing home loans through NZ Compare

It is INCREDIBLY easy.  Our advisors do all the hard work.

Compare multiple providers. Our advisors know and understand them all.

Access to New Zealand's best home loan lenders.

• Did we mention it was FREE?  The mortgage advisors at The Umbrella Company receive their payment from the lender, not you, the borrower. As expert, independent brokers, the team at The Umbrella Company often have access to different products and options which are not widely listed by the lenders they work with.  Did we mention they could also negotiate you a great cashback when you refinance a home loan or change lender. 


Our advisor partners - The Umbrella Company

The Umbrella Company are a talented team of mortgage advisers who are passionate about making a difference in people's lives. They work hard to get the best possible outcomes for our clients and pride themselves on being accessible, friendly and professional. 

As your personal mortgage adviser, their mission is to be there for you when you need financial advice around a property purchase. They're there to help you choose the right lender for your home or property.  Whether it's lending for the family home, bach, equity release or an investment property, the team at The Umbrella Company can help. The Umbrella Company will always be there to assist you in the event of a question or change in your circumstances. They understand that financial dealings can become difficult and stressful and their focus is on making the process as easy as possible for you, so you can focus on what's important - enjoying your life and building your wealth. 

So, if you're looking for peace of mind, The Umbrella Company can help. Get in touch with the form above for a free exploratory conversation.

*Lending criteria applies


Kicking off the process of reviewing your home loan is simple. Request a no obligation chat with one of our independent mortgage experts who will help find the right home loan for you and your loved ones.


Incredibly easy!

Our mortgage advisors are EXPERTS.  They live and breath home loans and will make getting you and your family the best possible mortgage incredibly simple!

Compare multiple providers

Our advisors will gather multiple quotes and compare home loans, rates and features from a range of NZ's top lenders. Helping you make a fully informed choice without the legwork!

Money back in your pocket!

Our aim is to reduce your overall payments, lower your interest rate and get more money back in your pocket!  Meaning you can pay off your home loan quicker!